Research On The Construction Of Rural Community Banks

In 2008,there was a global financial crisis.The negative impacts of this financial crisis have not been eliminated totally,therefore,the majority banks face risks,changing developing ways and some other problems as well.Under this circumstance,all small retail banks start to think how to transit and create in order to explore new ways for further development.While community bank is a new finding of these retail banks.In 2010,Ningbo Bank first explored the business of community bank.After a few years development,Ningbo Bank has already achieved some successes in both theories and practices of city community banks.Recently,due to the increasing demand of bank market expansion,community banks penetrating to rural areas becomes a new trend.In May 2015,the Guidance on Deepening the Pilot Work of Rural Community Construction published by general office of the CPC central committee and the general office of the state council states “encouraging financial institution to accelerate in their creation of financial products and services,and supporting rural community construction.”Currently,in the rural area of our country,the development of community banks is still in its infancy since there is not enough theory to apply to and the practical exploration is not deep enough to use.Therefore,to some extent,the application of community bank is limited in rural areas.This article further studies the theory of community banks and rural community banks,and refers to both domestic and foreign academic resources,adopting the SWOT analysis method to clarify the strengths,weaknesses,opportunities,and threats of the rural community banks,and Learn from the successful experience of Minsheng Community Bank development to provide practical reference for the development of rural community banks.At the same time,using quantitative and qualitative methods from the perspective of the operating efficiency and customer satisfaction of rural commercial banks,clarify the current status of the development of rural community banks and realize the universal problems of further development of community banks.Associating with the analytic result,this article provides some appropriate suggestions for optimizing the rural community banks,then offers some good experience to other commercial banks in this industry in terms of developing rural community banks.